BlastPoint's Banking Scorecard
Connect Bank
Micro
Specialty: Commercial
AR
FDIC cert 5634
Designations: ✓ Community bank
Star City, AR
2498
banks in Micro tier nationally
40 in AR
View Micro leaderboard (AR) →
Connect Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.01% above tier
- + Net Interest Margin 1.26% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$123.7M
+4.4% YoY
+0.7% QoQ
|
-$93.8M |
$217.5M
+2.3% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$78.3M
+7.3% YoY
+2.8% QoQ
|
-$60.9M |
$139.2M
+2.8% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$108.1M
+3.6% YoY
+1.7% QoQ
|
-$75.6M |
$183.7M
+1.8% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
2.09%
-3.5% YoY
+3.2% QoQ
|
+1.01% |
1.08%
+14.7% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
5.11%
+4.6% YoY
+1.4% QoQ
|
+1.26% |
3.85%
+6.6% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
58.98%
-0.7% YoY
-0.9% QoQ
|
-8.74% |
67.73%
-4.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
0.03%
-85.5% YoY
-86.6% QoQ
|
-0.61% |
0.64%
+24.4% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
72.42%
+3.6% YoY
+1.1% QoQ
|
-2.11% |
74.53%
+0.5% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
26.87%
+5.3% YoY
-3.8% QoQ
|
+4.48% |
22.39%
-1.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.02%
-85.1% YoY
-86.3% QoQ
|
-0.43% |
0.45%
+25.1% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.58%
-36.0% YoY
+38.6% QoQ
|
+0.01% |
0.56%
+0.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 8%
in Micro
Why this stands out
Current:
2.09%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 8%
in Micro
Why this stands out
Current:
5.11%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Net Interest Margin
Current: 5.11% · Tier avg: 3.85%
92
92th pctile
Return on Assets
Current: 2.09% · Tier avg: 1.08%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
77
77th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
75
75th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.56%
70
70th pctile
Efficiency Ratio
Current: 58.98% · Tier avg: 67.73%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 26.87% · Tier avg: 22.39%
57
57th pctile
Loan-to-Deposit Ratio
Current: 72.42% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
33
33th pctile
Total Loans
Current: $78.3M · Tier avg: $139.2M
31
31th pctile
Total Deposits
Current: $108.1M · Tier avg: $183.7M
30
30th pctile
Total Assets
Current: $123.7M · Tier avg: $217.5M
Top Weaknesses
30
30th pctile
Total Assets
Current: $123.7M · Tier avg: $217.5M
31
31th pctile
Total Deposits
Current: $108.1M · Tier avg: $183.7M
33
33th pctile
Total Loans
Current: $78.3M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Loan-to-Deposit Ratio
Current: 72.42% · Tier avg: 74.53%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 26.87% · Tier avg: 22.39%
70
70th pctile
Efficiency Ratio
Current: 58.98% · Tier avg: 67.73%
75
75th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.56%
77
77th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
92
92th pctile
Return on Assets
Current: 2.09% · Tier avg: 1.08%
92
92th pctile
Net Interest Margin
Current: 5.11% · Tier avg: 3.85%